MCA offers a wide array of benefits to keep their members happy, safe and on the road. They provide the peace of mind you need when the unexpected happens whether at home, traveling or on the road.

The benefits you receive will vary based on the plan you select. Some restrictions apply. Please read your contract for full details and benefits. Please see the plan comparison page for specifics, exclusions and limitations.

Accidental Death Benefit

Your estate will receive $10,000 when you die as a direct result of injuries received in a covered accident.

As a member, you may enroll, free of charge,in one of the 3 additional all accident AD&D coverages to suit your needs:

You, as named member, up to $50,000; or

You and your spouse, up to $25,000 each, plus job retraining is available for surviving spouse in many cases or:

You for up to $30,000, your spouse for up to $15,000, and your children up to $3,500 each. Optional benefits include job retraining for surviving spouse, continuing childcare and continuing education support.

Legal Defense Coverage

MCA will pay up to $2,000 for your attorney to defend you against police charges resulting from driving your covered auto. You pick your own attorney and MCA will reimburse up to the amount covered. (With the exception of NY. MCA will pay directly.)

Up to $200 for covered moving violations (speeding, following too closely, improper lane changes and more)

Up to $500 covered auto related personal injury matters, including being struck by a vehicle while walking

Up to $500 covered vehicle damage issues

Up to $2,000 for covered auto related negligent homicide or vehicular manslaughter

Arrest Bond Protection - When involved in a traffic violation, your MCA card is good for $500 in cash appearance bond to give to the officer in lieu of taking your driver's license or credit card. (Keep your driver's license at the time of the violation). Not in the state of California.

Bail Bond Protection - MCA will pay for the cost of a bail bond - up to 10% of the amount of the bond - on a bond amount up to $25,000 when you are arrested as a result of being involved in an auto accident while driving your covered vehicle. MCA will not be a surety on any bail bond and only contract to pay a professional bail bondsman's fee. Restrictions and exclusions apply for DUI and it and runs.

Loss Protection

Stolen Vehicle Reward - If your vehicle is stolen, MCA will get it back faster by offering a $5,000 reward. The reward will be paid to the law enforcement agency or individual responsible for information leading to the arrest and conviction of the thief. The reward is not payable to you, your family or other members on your MCA membership.

Credit Card Protection - If your credit cards are stolen, MCA will cover any false charges up to $1,000 (reimbursement). However, the credit cards need to be registered with MCA to be covered.

Farm and Ranch Reward - MCA will pay a $500 reward for information leading to the arrest and conviction of anyone stealing a member's livestock, saddle and tack, trailers or farm equipment. The reward will not be paid to you or any of your relatives.

Travel Assistance & Discounts

Emergency Medical Evacuation or Assisted Repatriation - If necessary, a medically supervised evacuation to the nearest medical facility or when in a foreign country, transport back to your home when you are traveling 100 miles or more away from your principal residence.

Trip Planning and Travel Reservations - Concierge Service - Members can call MCA's member service department and will arrange your airline, hotel or car rental needs using your credit cards. The mapping service consists of the member providing MCA with their auto travel plans with stops indicated, then MCA's service will provide the member with a customized map of their route with points of interest along the way and at their destinations.

Emergency Travel & Living Expenses - Up to $500 for auto rental, lodging and meals or commercial transportation for you and your family after a collision away from home.